parents, insurance, arrrrrrrrgh! help :(

iVillage Member
Registered: 02-20-2007
parents, insurance, arrrrrrrrgh! help :(
6
Tue, 02-20-2007 - 12:05pm

Hello everyone. Ok, so I have been on BCP for a couple of months now and really like them. I get them at my regular pharmacy and always pay for it on my own to avoid my parent's insurance stuff (they don't know I'm on the pill). Yesterday, I went to get a refill and specifically said (like always) don't use my insurance, I'll pay for it. They DID however, use my insurance for some strange reason. I was on the phone and didn't even notice until later. So now I'm kind of freaking out.

How does this whole family insurance thing work? I know I'm on my mom's insurance, so I know she has access to all of that. But I know she's definitely not calling her insurance company everyday, so will she still find out? Does that mean she will get a letter from her insurance company saying "blank filled a prescription for blank on blank date"? If so, will it say that my prescription was for birth control, or just a prescription? Will it be on her insurance bill (and is that monthly?) along with all of that info? Uuuugh, this makes me sick. Please help.

iVillage Member
Registered: 04-18-2003
Tue, 02-20-2007 - 2:26pm
It probably depends on the insurance. I have anthem blue cross blue shield and I never get statements about prescriptions.
Holly
Holly
iVillage Member
Registered: 04-05-2003
Tue, 02-20-2007 - 3:02pm
I think it depends on the company, too. I'm on United Healthcare, and I never get statements about prescriptions. However, I do use their online service for health information, which includes a section on recent claims on my insurance. It lists everytime a claim is made with detailed information. But, not everyone uses this, and I don't always check it. It just depends on if your parents do that kind of thing! Mine don't, but they're not internet savvy, either. ;) Hopefully, you have nothing to worry about.
iVillage Member
Registered: 07-19-2006
Tue, 02-20-2007 - 3:57pm

You should be OK. Unless your mom or dad is specifically looking up something with their prescription coverage, I doubt they'd find out. You might consider going to Planned Parenthood in the future. I think they dispense bcp at low cost, so you'd save money and fretting about insurance.

Why not just come clean, though? It might be an awkward conversation, but I bet they'd ultimately be proud of you for taking responsibility for your health. Unless they are extremely conservative or unapproachable, it might be something to think about.

Good luck!

iVillage Member
Registered: 12-30-2003
Tue, 02-20-2007 - 5:32pm

Hi newswings, welcome!


      Jill

    

iVillage Member
Registered: 03-19-2003
Tue, 02-20-2007 - 11:36pm

I'm not sure if you're a minor or how minors on insurance are, but I can't see my husband's insurance claims even though I'm the insured (he's on my insurance). I can log in to the insurance company's website, but I can only see my medical and pharmacy claims, not his. If you're over the age of 18, I think you'd have access to your own information but your parents might not. The medical statements (paper versions of the online claims) come addressed to me, but no pharmacy statements.

In any case, maybe you just have really awful periods or you want to be able to move your periods around vacations and stuff like that. Women use the pill for more than just preventing pregnancy, it can be taken to make life more convenient and less painful too.

You could always transfer your prescription to a different pharmacy and tell them that you don't have insurance--that way this doesn't happen again. You would take your prescription information to the pharmacy that you want to use and they will call the other pharmacy for the information, it takes 2 business days usually.

Good luck!

Judie
Co-cl for Birth Control
Judie Cl for Birth Control 
iVillage Member
Registered: 02-20-2007
Wed, 02-21-2007 - 5:24pm
Thanks ladies! I'm 18 and have Blue Cross Blue Shield (Anthem) by the way. You all have reassured me greatly. I'm not very worried anymore, but I do think I will try to simply tell my mom when the time is right. I don't like feeling like I'm sneaking around! Thanks again everyone.